Tag

affordable care act Archives - Steinlage Insurance Agency

ObamaCare’s Threat to Private Practice

By | Obamacare, Understanding Health Care Reform | No Comments

Here’s a dirty little secret about recent attempts to fix ObamaCare. The “reforms,” approved by Senate and House leaders this summer and set to advance in the next Congress, adopt many of the Medicare payment reforms already in the Affordable Care Act. Both favor the consolidation of previously independent doctors into salaried roles inside larger institutions, usually tied to a central hospital, in effect ending independent medical practices. Continue at: http://www.wsj.com/articles/scott-gottlieb-obamacares-threat-to-private-practice-1417990367

Read More

Cigna will include Washington University and Barnes Jewish providers in the 2015 Individual “Obamacare” market

By | Obamacare | No Comments

Important Updates Today Cigna announced a new collaborative partnership with BJC HealthCare and Washington University Physicians. This announcement represents an expansion of Cigna’s product offerings in Missouri, both on- and off- the public marketplace. This collaboration will give customers who enroll in Cigna Individual and Family Plans access to care provided primarily by the region’s leading health care organizations – BJC HealthCare and Washington University Physicians. The network will also include Barnes-Jewish Hospital and St. Louis Children’s Hospital and the more than 1,300 Washington University primary care doctors and specialists affiliated with these hospitals. The network will also include the additional 10 hospitals and four service organizations that are part of BJC HealthCare. You can read more about this collaboration here. We are excited about this collaboration with BJC HealthCare and Washington University Physicians and look forward to providing you with new solutions for your customers in Missouri. Contact the…

Read More

Obamacare plans offered in the greater Saint Louis area

By | Making the Most of your Medicare | No Comments

A common question I get from clients who are looking for individual health insurance is, “What plans are available to me under Obamacare?”  “Which plans have my doctor or hospital in network?”  “How do I pick between my options?” If you are in the market for individual health insurance in the Saint Louis area, I can help.  Our agency handles every aspect of the ACA, including walking you through the www.healthcare.gov subsidy process (the only way to get lower premiums).  Give us a call at 636-561-5060 for guidance. Ultimately, you will have 3 specific options to choose as of 2014.  They are: 1. Anthem Blue Cross and Blue Shield 2. CoventryOne PPO 3. CoventryOne Carelink Any policy you purchase as an individual should come from one of these insurers.  What are the differences? Anthem Blue Cross and Blue Shield Anthem’s plans tend to be lower priced with lower deductibles (the…

Read More

How to figure out the Affordable Care Act as an individual

By | Uncategorized, Understanding Health Care Reform | No Comments

As the clock ticks down, most people are completely in the dark when it comes to setting up their health insurance under the new “Obamacare” rules.  I hope this sheds some light on the situation for people who currently have individual insurance. If you purchased your health insurance before March 29th 2010, your plan is considered “grandfathered”.  Your group had to answer health questions in order to purchase the policy, and the rate you pay is based off the claims experience within that group. The good thing about having a “grandfathered” plan is that your rate will not be affected by the new health insurance pricing rules that are set to begin in 2014.   A “non-grandfathered” plan is any policy purchased after March 29th, 2010. The biggest changes for non-grandfathered plans are that the rates these people pay will adopt the “Obamacare” rules in 2014.  There are 2 major…

Read More

How the Missouri Health exchange might work in 2014

By | Making the Most of your Medicare | No Comments

Many people are wondering how we will buy health insurance from the new “exchange” in 2014.   Do I have to figure this out on my own?  The answer is no!  Our agency is gearing up to be a navigator, the official term for someone who helps people make the best decision for their situations. As always we don’t charge any fees and there are no costs using our services ever! Here is a likely way that we will purchase health insurance after 2014: You log onto the federal government’s health insurance website benchmarked for Missouri.  It might be something like http://www.moinsurance.org/. You type in your name and Social Security number and your specific application is generated.  The application takes data from your 2012 tax return to determine what subsidy level (if any) you qualify for.  You can then view, apply for, and purchase health insurance specific to your family right from…

Read More